Features EMPLOYEE ISSUE AGE AND MAXIMUM5 SPOUSE ISSUE AGE AND MAXIMUM5 Ages 17*-49: $300,000 Ages 50-65: $100,000 Ages 66-70: $10,000 Ages 17**-49: $50,000 Ages 50-60: $25,000 RATES BASED ON ISSUE AGE AND TOBACCO STATUS PREMIUM Your premiums will be based on your age when your policy becomes effective. If you are a non-tobacco user, you may be eligible for reduced rates. Your premiums are guaranteed for 30 years or to age 85, whichever comes first. After that, premiums may stay the same, increase, or decrease but will never exceed the guaranteed amount shown in your policy. DEATH BENEFIT ACCELERATED BENEFIT FOR TERMINAL CONDITION The death benefit will remain the same for the policy’s life, up to age 100. Death benefits are generally paid tax-free. 6 You can receive a portion of the chosen death benefit amount if you are diagnosed with a Terminal Condition, as defined in the policy. See last page of brochure for more details. 2Issuance of the policy may depend on the answer to these questions. 3Interim coverage for death will be in force from the date your application is signed if, on such date, the proposed insured is insurable per our underwriting guidelines for the requested coverage per the terms of the policy. This interim coverage for death will remain in force until the earlier of 1) the date a policy becomes effective, 2) the date we decline the application, or 3) the date we notify the proposed insured that they are ineligible for interim coverage. The employee and/ or spouse must remain actively at work during the interim coverage period. If the death of the proposed insured occurs during the interim coverage period, the first month’s premium will be subtracted from the policy proceeds. Interim coverage is only for death benefits under the base policy and Children’s Term Rider. No interim coverage benefits are available under any Waiver of Premium Rider, Accidental Death and Dismemberment Rider, Accelerated Benefit Rider for Long Term Illness or Accelerated Benefit for Critical Illness Rider. 4Example is based on initial monthly non-tobacco rates for an ITL7001 base plan only. After the Initial Premium Guarantee Period, premiums may stay the same, increase, or decrease. Contact your American Fidelity account manager for specific ages, rates, or face amounts. 5Face amounts vary based on issue age. Issuance of coverage may be subject to responses received to a few medical questions. 6Please consult your tax advisor for your specific situation. *In the states of AK, AR, CO, IA, KS, MN, MO, ND, NH, OR, PA, RI, SC, TN, and WI, the minimum issue age for employees is 18. **In the states of MO and PA, the minimum issue age for spouses is 18. SAMPLE INITIAL NON- TOBACCO MONTHLY PREMIUM RATES FOR BASE TERM 100 LIFE PLAN4 $10K+ $50K+ $100K $150K $300K 25 $6.80 $25.50 $49.00 $71.00 $140.00 35 $9.20 $36.50 $71.00 $105.50 $209.00 45 $14.70 $65.50 $129.00 $189.50 $377.00 55 $24.50 $110.00 $218.00 n/a n/a 65 $37.90 $177.50 $353.00 n/a n/a Premiums and benefits vary depending on the level selected at the time of application. +Shaded amounts are available for spouse policy purchases. Three Easy Steps for Coverage Answer Three Health Questions2 Don’t worry about participating in any invasive medical exams. 2 Select a Benefit Amount Plus, add riders to enhance your coverage. 1 Get Coverage Immediately3 Your death benefit coverage starts when you sign the application. 3